What should expats look for when choosing a health insurance plan in Singapore?
Expats choosing health insurance in Singapore should assess the following points: Coverage scope: Does the plan cover inpatient hospitalisation, outpatient visits, specialist consultations, and emergency treatment? Hospital network: Are your preferred hospitals and clinics on the plan’s panel? Annual coverage limit: Is the limit high enough to cover serious illness or long hospital stays in […]
What is the difference between local and international health insurance plans for foreigners in Singapore?
Local health insurance plans in Singapore are generally more affordable and aligned with the local healthcare system. They work well for long-term residents who receive most of their care in Singapore. International health insurance plans offer broader coverage across multiple countries. They suit expats who travel frequently, plan to receive treatment in their home country, […]
Who pays for foreign worker medical insurance in Singapore?
The employer pays the full cost of medical insurance for Work Permit and S Pass holders. Under MOM rules, the premium cannot be deducted from the worker’s salary or wages. For Employment Pass holders, health insurance is commonly employer-provided but is not mandated under MOM’s foreign worker medical insurance requirements.
Can Employment Pass holders in Singapore buy local health insurance?
Yes. Employment Pass holders are not covered under mandatory employer schemes, but they can purchase local health insurance plans or international plans from licensed insurers in Singapore. Dependant Pass and Long-Term Visit Pass holders are also eligible for Integrated Shield Plans from local insurers.
What is the minimum medical insurance coverage for Work Permit holders in Singapore?
From 1 July 2025, the minimum annual coverage is S$60,000 per worker. The first S$15,000 of medical bills is fully covered by the insurer. For bills above S$15,000, the insurer covers 75% and the employer pays 25%, up to the S$60,000 annual limit. Employers cannot pass this cost to the worker.
Is medical insurance mandatory for foreign workers in Singapore?
Yes. Employers in Singapore must provide medical insurance for all Work Permit and S Pass holders. The MOM sets a minimum annual coverage of S$60,000 per worker, effective from 1 July 2025. This requirement applies across all sectors including construction, marine, manufacturing, services, and domestic work. Employment Pass holders are not covered under this mandate.
We are dissatisfied with our current broker’s service, how can we switch over?
Yes, the process is seamless. We can facilitate a “Broker of Record” transfer, allowing us to take over the management of your existing policies immediately. Alternatively, we can review your current renewal terms and help you tender for a better provider. We ensure there is no lapse in coverage during the transition.
What is included in standard employee benefits insurance coverage?
Standard employee benefits insurance coverage typically includes Inpatient (Hospital & Surgery), Outpatient (GP & Specialist), and sometimes Dental. We can also add Group Term Life to ensure comprehensive protection for your workforce.
What is the minimum number of employees required for a group medical insurance plan?
Most insurers in Singapore require a minimum of three to five employees to qualify for group medical coverage. Startups and smaller teams can still get coverage. David Ho works with multiple insurers and can identify plans suited to businesses at early growth stages.
How do I buy group personal accident insurance in Singapore?
To buy group personal accident insurance Singapore policies, you typically need to provide an “Employee Census” (a list of employee job titles and headcounts), as premiums are calculated based on occupational risk classes. At David Ho, we simplify this process by comparing quotes from multiple top insurers to ensure you get the most competitive rates […]
